BlastPoint's Credit Union Scorecard
REVERE FIREFIGHTERS
Charter #24956 · MA
2596 CUs in <100M nationally
68 in MA
REVERE FIREFIGHTERS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 23.87% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Total Members: Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
232
+1.8% YoY+0.9% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.5% in tier |
| Assets |
$4.7M
-11.4% YoY-2.0% QoQ
|
$-25.1M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.7M
+1.5% YoY-1.8% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$4.0M
-14.0% YoY-2.4% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
-0.2%
-74.8% YoY-164.5% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.0% in tier |
| NIM |
2.8%
+5.5% YoY+2.2% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
105.3%
-24.2% YoY+14.2% QoQ
|
+23.9% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 8.3% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
42.5%
+18.0% YoY+0.6% QoQ
|
-18.7% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$24,562
-11.4% YoY-3.1% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
228
Average Member Relationship (AMR)
engagement
Value:
$24,562
Peer Avg: -
#228 of 2596
Top 8.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
482
Member Growth Rate
growth
Value:
1.75%
Peer Avg: -
#482 of 2596
Top 18.5% in <100M tier
603
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,329
Peer Avg: -
#603 of 2596
Top 23.2% in <100M tier
Top Weaknesses (12 metrics)
2500
Deposit Growth Rate
growth
Value:
-13.98%
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2491
Asset Growth Rate
growth
Value:
-11.38%
Peer Avg: -
#2491 of 2596
Bottom 4.1% in <100M tier
2472
Members Per Employee (MPE)
engagement
Value:
77.333
Peer Avg: -
#2472 of 2596
Bottom 4.8% in <100M tier
2453
Total Members
engagement
Value:
232
Peer Avg: -
#2453 of 2596
Bottom 5.5% in <100M tier
2431
AMR Growth Rate
growth
Value:
-11.44%
Peer Avg: -
#2431 of 2596
Bottom 6.4% in <100M tier
2382
Efficiency Ratio
profitability
Value:
105.26%
Peer Avg: -
#2382 of 2596
Bottom 8.3% in <100M tier
2283
Net Interest Margin (NIM)
profitability
Value:
2.76%
Peer Avg: -
#2283 of 2596
Bottom 12.1% in <100M tier
2259
Return on Assets (ROA)
profitability
Value:
-0.16%
Peer Avg: -
#2259 of 2596
Bottom 13.0% in <100M tier
2186
Total Loans
balance_sheet
Value:
$1.70M
Peer Avg: -
#2186 of 2596
Bottom 15.8% in <100M tier
2119
Total Assets
balance_sheet
Value:
$4.75M
Peer Avg: -
#2119 of 2596
Bottom 18.4% in <100M tier